Booking a flight can feel like a financial commitment, especially when you’re planning a last-minute trip or traveling with family. If you’ve ever found yourself hesitating at checkout because of the upfront cost, Delta’s payment plan options may be the solution you need.
In 2025, Delta continues to partner with Affirm to offer flexible payment options that let you book now and pay over time. Whether you’re flying coast-to-coast or preparing for an international trip, this option gives you more control over your travel budget without delaying your plans. If you’re unfamiliar with how it works, when to use it, or whether it’s a good choice for you, this guide walks through every important detail.
Can You Book a Delta Flight and Pay Later?
Yes. Delta offers a “book now, pay later” option through a partnership with Affirm, a third-party payment provider. When you select Affirm at checkout on delta.com, you can apply for financing and split the total cost of your ticket into monthly payments.
This feature is available for eligible bookings made through Delta’s official website. Not every itinerary will qualify, and certain conditions must be met, but for many travelers, this is a convenient and fast way to secure a flight without paying the full fare upfront.
I’ve tested the process myself and found it to be surprisingly straightforward, with immediate approval in some cases and no hidden fees if you stick to the terms.
How the Delta-Affirm Partnership Works
When you reach the payment page during checkout on delta.com, you’ll see Affirm listed as a payment method if your booking is eligible. You must select “Pay Monthly with Affirm,” which opens a quick application process.
Affirm runs a soft credit check, which doesn’t affect your credit score. Based on your credit profile and ticket cost, Affirm offers a few repayment options. These typically include:
- Three, six, or twelve-month plans
- Interest rates ranging from 0 percent to 36 percent APR, depending on eligibility
You’ll see the total repayment amount, including any interest, before you commit. Once approved, your flight is confirmed immediately, just like with any credit card payment.
Keep in mind, you must be a US resident, over 18, and meet Affirm’s eligibility criteria. Bookings made for flights originating outside the United States or through third-party sites are not eligible for payment plans.
What Types of Flights Qualify for Payment Plans
Not every Delta flight qualifies for Affirm financing. Your booking must meet specific conditions, and eligibility is determined during checkout.
In most cases, you must:
- Book directly on delta.co
- Spend at least 100 dollars total (before taxes and fees)
- Choose a round-trip or one-way fare in Main Cabin or higher
Basic Economy tickets sometimes show up as eligible, but this can vary based on fare type and destination. I’ve had better success using Affirm for domestic round-trip fares and international flights in Main Cabin and Comfort Plus.
If the payment option doesn’t appear, it likely means your booking doesn’t meet the threshold or includes a segment that isn’t covered.
Pros and Cons of Using Affirm to Pay for Delta Flights
There are real advantages to using payment plans for airfare, but you should also be aware of the trade-offs.
Advantages:
- You can secure your seat immediately without full payment upfront
- The application is fast and usually approved within minutes
- There are no hidden fees if you pay as agreed
- You can choose a payment term that fits your budget
Disadvantages:
- Interest rates can be high if you don’t qualify for zero percent
- Missed payments could impact your credit if unpaid
- Not all routes or tickets are eligible
- You won’t earn extra rewards like you would with a travel credit card
If you already have a strong travel rewards credit card with a low interest rate or promotional financing, that may be a better option. But for travelers who need time to pay or don’t want to use available credit, Affirm is a solid alternative.
What Happens If You Cancel a Ticket Purchased With Affirm
If you cancel a ticket paid with Affirm, your payment plan does not automatically disappear. Here’s what typically happens:
Delta will issue a refund according to its fare rules. If the ticket is nonrefundable, you’ll receive an eCredit for future use. Affirm continues billing you until Delta sends confirmation of the refund or credit.
If you’re issued an eCredit, you are still responsible for repaying Affirm as originally agreed. This is a common misunderstanding. I’ve had clients assume they could stop paying once the flight was canceled, but that’s not the case.
Always review the cancellation terms carefully and contact Affirm directly if a refund has been issued and you want to verify your repayment timeline.
Alternatives to Affirm for Paying Over Time
While Affirm is the only official partner listed on Delta’s site, there are other ways to finance your airfare.
You can use a credit card with a low-interest introductory rate or flexible payment terms. Many airline and travel credit cards offer zero percent interest for the first twelve to fifteen months. This lets you spread out the cost and earn points or miles at the same time.
Another option is to use Delta eCredits if you have them from a previous cancellation. You can combine eCredits with a smaller Affirm loan if the full amount isn’t covered.
I also recommend tracking fare sales. Sometimes, a good sale eliminates the need for a payment plan altogether. Planning early gives you more control over both pricing and payment options.
Should You Use Delta Payment Plans in 2025?
If your travel plans are solid and you need flexibility in how you pay, using a Delta payment plan through Affirm makes sense. You get to book the flight you want without waiting for your next paycheck or tying up your credit card limit.
That said, it’s not the right tool for everyone. If you qualify for a high-interest plan, or if you think you may cancel or change your ticket, consider the long-term impact. Always compare options before locking in financing, especially for more expensive routes or international trips.
In my experience, Affirm has been helpful for spreading out the cost of trips that had to be booked fast, especially during peak holiday seasons when fares spike and deals disappear quickly.
Final Thoughts
Delta’s payment plans in 2025 give you more financial flexibility, whether you’re planning a solo trip, a family vacation, or urgent travel. With Affirm, you can book now and pay monthly, often with terms that fit your budget.
Just make sure you understand the interest rates, check your eligibility during booking, and keep up with your payments. Used wisely, it’s a tool that can open the door to travel you might otherwise have delayed.
Frequently Asked Questions
Can I use a Delta payment plan for international flights?
Yes, as long as the flight originates in the US and is booked directly through delta.com.
Is a credit check required to use Affirm?
Yes, but only a soft check, which does not affect your credit score.
What happens if I cancel my flight after using Affirm?
You are still responsible for repayment. If Delta issues a refund or credit, it is applied to your Affirm balance.
Are Delta Vacations eligible for payment plans?
Not through Affirm. Payment plans on delta.com are limited to flight-only bookings.
How long are payment terms through Affirm?
Typically three, six, or twelve months. The options depend on your credit profile and booking amount.